Thanks for writing this — I agree that payday lending is often a terrible and abusive industry.
Sean McDonald

Good question! I hope we don’t have to choose one or the other. (At least not yet.)

Relying on private companies to implement favorable policy goals is not my ideal. But I do want advocates to fire on all cylinders, and I think that appeals to autocracy can be a part of that.

That said, I’m open to the argument that democratization is the right long-term play.

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